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Cheapest and Best Car Insurance Companies in Tacoma, WA


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Updated: Sep 20, 2023
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Tacoma drivers should compare quotes and coverage options from multiple companies to find the most suitable insurance option for their needs and driver profile.

In terms of affordability, the top-rated company in Tacoma is PEMCO for both minimum and full coverage policy types. PEMCO also offers the cheapest rates for military drivers and those with violations.

The best overall insurer in Tacoma is Chubb, and this same company also earned our top scores for the best customer service and the best cheap policies.

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2023

Cheapest and Best Car Insurance in Tacoma, WA

Cheapest Minimum Liability Car Insurance in Tacoma

The two cheapest car insurance providers for a minimum coverage policy in Tacoma, Washington, are:

  • PEMCO: $318 per year
  • Capital Insurance Group: $367 per year

The most expensive company is Dairyland at $1,703 per year as of October 2022. By choosing PEMCO over Dairyland, drivers can save around $1,385 per year on car insurance. This makes PEMCO a great option for drivers looking for affordable minimum car insurance.

On a statewide basis, PEMCO’s $309 average annual rate is the cheapest car insurance in Washington, with a rate that’s $9 lower than its typical premium in Tacoma.

Company
Annual Premium
Monthly Premium

PEMCO

$318

$27

Capital Insurance Group

$333

$28

PEMCO

$343

$29

Capital Insurance Group

$367

$31

PEMCO

$394

$33

Chubb

$455

$38

GEICO

$477

$40

Travelers

$478

$40

Travelers

$483

$40

State Farm

$504

$42

Capital Insurance Group

$536

$45

Chubb

$539

$45

Travelers

$548

$46

State Farm

$552

$46

GEICO

$611

$51

PEMCO

$612

$51

GEICO

$642

$53

PEMCO

$654

$55

Kemper

$680

$57

State Farm

$689

$57

American Family

$701

$58

Capital Insurance Group

$702

$59

Allstate

$710

$59

Farmers

$716

$60

American Family

$723

$60

Progressive

$727

$61

Allstate

$730

$61

Kemper

$744

$62

Kemper

$752

$63

American Family

$754

$63

Nationwide

$756

$63

Chubb

$760

$63

Farmers

$760

$63

PEMCO

$770

$64

Progressive

$788

$66

Capital Insurance Group

$788

$66

Allstate

$792

$66

Nationwide

$812

$68

Progressive

$834

$70

Kemper

$836

$70

Farmers

$852

$71

GEICO

$898

$75

Travelers

$902

$75

National General

$909

$76

Travelers

$937

$78

Chubb

$963

$80

State Farm

$997

$83

American Family

$1,056

$88

GEICO

$1,094

$91

State Farm

$1,094

$91

American Family

$1,102

$92

National General

$1,104

$92

Nationwide

$1,109

$92

Travelers

$1,115

$93

Kemper

$1,116

$93

American Family

$1,122

$93

Nationwide

$1,125

$94

Chubb

$1,157

$96

Allstate

$1,161

$97

Capital Insurance Group

$1,177

$98

Kemper

$1,226

$102

Nationwide

$1,231

$103

Allstate

$1,242

$103

National General

$1,242

$104

GEICO

$1,263

$105

Allstate

$1,269

$106

Farmers

$1,304

$109

Farmers

$1,305

$109

Progressive

$1,320

$110

Progressive

$1,400

$117

State Farm

$1,422

$118

National General

$1,428

$119

Farmers

$1,541

$128

Progressive

$1,571

$131

Chubb

$1,577

$131

Dairyland

$1,652

$138

Nationwide

$1,663

$139

Dairyland

$1,703

$142

National General

$1,757

$146

National General

$1,802

$150

Dairyland

$2,504

$209

Dairyland

$3,251

$271

Dairyland

$3,595

$300

Dairyland

$5,216

$435

According to Washington law, drivers are required to carry a car insurance policy that covers bodily injuries and property damage. The minimum coverage levels for liability insurance in Washington are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident

If you only have $25,000 in bodily injury liability per person and the expenses from an accident exceed that amount, you will be responsible for paying the difference out of pocket. For instance, if the injured driver incurs $50,000 in medical bills, your insurance will only cover the first $25,000, leaving you responsible for the remaining $25,000.

To avoid such risk, it’s generally recommended to purchase higher coverage limits than the minimum required by law.

Cheapest Full Coverage Car Insurance in Tacoma

If you’re looking for the most affordable full coverage auto insurance in Tacoma, these two companies stand out:

  • PEMCO: $612 per year
  • Capital Insurance Group: $788 per year

Choosing the right car insurance provider can make a difference in your wallet. Dairyland is the most expensive option, with an average annual premium of $3,595 as of October 2022.

Zooming out for a statewide view, PEMCO remains the cheapest full coverage car insurance provider in Washington, with a $614 average rate that’s nearly identical to its $612 rate in Tacoma.

Company
Annual Premium
Monthly Premium

PEMCO

$318

$27

Capital Insurance Group

$333

$28

PEMCO

$343

$29

Capital Insurance Group

$367

$31

PEMCO

$394

$33

Chubb

$455

$38

GEICO

$477

$40

Travelers

$478

$40

Travelers

$483

$40

State Farm

$504

$42

Capital Insurance Group

$536

$45

Chubb

$539

$45

Travelers

$548

$46

State Farm

$552

$46

GEICO

$611

$51

PEMCO

$612

$51

GEICO

$642

$53

PEMCO

$654

$55

Kemper

$680

$57

State Farm

$689

$57

American Family

$701

$58

Capital Insurance Group

$702

$59

Allstate

$710

$59

Farmers

$716

$60

American Family

$723

$60

Progressive

$727

$61

Allstate

$730

$61

Kemper

$744

$62

Kemper

$752

$63

American Family

$754

$63

Nationwide

$756

$63

Chubb

$760

$63

Farmers

$760

$63

PEMCO

$770

$64

Progressive

$788

$66

Capital Insurance Group

$788

$66

Allstate

$792

$66

Nationwide

$812

$68

Progressive

$834

$70

Kemper

$836

$70

Farmers

$852

$71

GEICO

$898

$75

Travelers

$902

$75

National General

$909

$76

Travelers

$937

$78

Chubb

$963

$80

State Farm

$997

$83

American Family

$1,056

$88

GEICO

$1,094

$91

State Farm

$1,094

$91

American Family

$1,102

$92

National General

$1,104

$92

Nationwide

$1,109

$92

Travelers

$1,115

$93

Kemper

$1,116

$93

American Family

$1,122

$93

Nationwide

$1,125

$94

Chubb

$1,157

$96

Allstate

$1,161

$97

Capital Insurance Group

$1,177

$98

Kemper

$1,226

$102

Nationwide

$1,231

$103

Allstate

$1,242

$103

National General

$1,242

$104

GEICO

$1,263

$105

Allstate

$1,269

$106

Farmers

$1,304

$109

Farmers

$1,305

$109

Progressive

$1,320

$110

Progressive

$1,400

$117

State Farm

$1,422

$118

National General

$1,428

$119

Farmers

$1,541

$128

Progressive

$1,571

$131

Chubb

$1,577

$131

Dairyland

$1,652

$138

Nationwide

$1,663

$139

Dairyland

$1,703

$142

National General

$1,757

$146

National General

$1,802

$150

Dairyland

$2,504

$209

Dairyland

$3,251

$271

Dairyland

$3,595

$300

Dairyland

$5,216

$435

A full coverage policy includes collision and comprehensive coverage in addition to liability coverage.

  • Collision Insurance: Covers damages to your car if you collide with another vehicle or object.
  • Comprehensive Insurance: Covers damages caused by other non-collision events, such as theft, fire or natural disasters.

Drivers should consider their car’s age and value when deciding on insurance coverage. For older and less valuable cars, a full coverage policy may not be worth the extra expense.

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Cheapest Car Insurance in Tacoma After a Driving Offense

PEMCO stands out as the cheapest car insurance option for drivers in Tacoma with a history of traffic violations.

  • Speeding ticket: PEMCO ($764 per year)
  • At-fault accident: PEMCO ($838 per year)
  • DUI: PEMCO ($1,021 per year)

Dairyland has the highest average premium for drivers with speeding tickets ($4,193 per year) and accidents ($4,596 per year), while Kemper has the highest premium for DUIs ($4,491 per year).

If you live in Tacoma and have a history of violations, PEMCO may be your cheapest choice. Even then, your rates will still be significantly more expensive than those of a driver with clean record.

Company
Annual Premium
Monthly Premium

PEMCO

$399

$33

Capital Insurance Group

$430

$36

PEMCO

$446

$37

Capital Insurance Group

$448

$37

PEMCO

$461

$38

PEMCO

$465

$39

Capital Insurance Group

$479

$40

Capital Insurance Group

$495

$41

Chubb

$502

$42

PEMCO

$513

$43

PEMCO

$516

$43

State Farm

$560

$47

State Farm

$560

$47

PEMCO

$561

$47

Chubb

$565

$47

Chubb

$565

$47

Chubb

$597

$50

State Farm

$612

$51

State Farm

$612

$51

State Farm

$616

$51

Capital Insurance Group

$621

$52

PEMCO

$628

$52

Travelers

$656

$55

PEMCO

$660

$55

State Farm

$674

$56

Chubb

$676

$56

Chubb

$676

$56

GEICO

$676

$56

Capital Insurance Group

$681

$57

Travelers

$693

$58

Travelers

$695

$58

Travelers

$707

$59

Capital Insurance Group

$713

$59

Capital Insurance Group

$732

$61

Travelers

$734

$61

Travelers

$749

$62

PEMCO

$764

$64

State Farm

$766

$64

State Farm

$766

$64

GEICO

$775

$65

Allstate

$785

$65

Travelers

$788

$66

GEICO

$788

$66

Allstate

$807

$67

Farmers

$816

$68

American Family

$831

$69

American Family

$831

$69

Travelers

$835

$70

PEMCO

$838

$70

American Family

$841

$70

State Farm

$842

$70

Chubb

$846

$70

Travelers

$851

$71

Progressive

$855

$71

American Family

$859

$72

American Family

$859

$72

American Family

$871

$73

PEMCO

$871

$73

GEICO

$880

$73

Allstate

$882

$73

Kemper

$892

$74

PEMCO

$894

$75

American Family

$899

$75

American Family

$899

$75

Farmers

$905

$75

American Family

$910

$76

GEICO

$922

$77

Farmers

$924

$77

Kemper

$929

$77

Progressive

$930

$77

Capital Insurance Group

$941

$78

GEICO

$947

$79

PEMCO

$949

$79

Farmers

$953

$79

Allstate

$954

$79

Kemper

$956

$80

Chubb

$964

$80

Chubb

$964

$80

Capital Insurance Group

$972

$81

PEMCO

$974

$81

Progressive

$974

$81

Kemper

$976

$81

Kemper

$979

$82

Allstate

$980

$82

Allstate

$988

$82

Progressive

$1,006

$84

Allstate

$1,015

$85

Capital Insurance Group

$1,016

$85

Kemper

$1,016

$85

PEMCO

$1,021

$85

Farmers

$1,029

$86

Farmers

$1,029

$86

Progressive

$1,044

$87

Capital Insurance Group

$1,060

$88

Farmers

$1,063

$89

Kemper

$1,064

$89

Chubb

$1,069

$89

GEICO

$1,071

$89

Progressive

$1,072

$89

Allstate

$1,084

$90

Capital Insurance Group

$1,086

$91

National General

$1,089

$91

Kemper

$1,091

$91

State Farm

$1,103

$92

State Farm

$1,103

$92

GEICO

$1,123

$94

Allstate

$1,125

$94

Farmers

$1,149

$96

PEMCO

$1,150

$96

Nationwide

$1,155

$96

Farmers

$1,170

$98

GEICO

$1,178

$98

PEMCO

$1,185

$99

State Farm

$1,209

$101

State Farm

$1,209

$101

State Farm

$1,209

$101

National General

$1,209

$101

Chubb

$1,213

$101

Chubb

$1,213

$101

Nationwide

$1,219

$102

American Family

$1,266

$105

American Family

$1,266

$105

Chubb

$1,288

$107

GEICO

$1,295

$108

Allstate

$1,300

$108

National General

$1,302

$109

American Family

$1,308

$109

Capital Insurance Group

$1,312

$109

Travelers

$1,321

$110

State Farm

$1,325

$110

American Family

$1,326

$110

American Family

$1,326

$110

Nationwide

$1,339

$112

American Family

$1,348

$112

American Family

$1,348

$112

Travelers

$1,361

$113

American Family

$1,368

$114

Travelers

$1,384

$115

Allstate

$1,390

$116

American Family

$1,395

$116

Nationwide

$1,414

$118

National General

$1,423

$119

Allstate

$1,428

$119

Travelers

$1,431

$119

Progressive

$1,439

$120

Travelers

$1,445

$120

GEICO

$1,459

$122

Capital Insurance Group

$1,462

$122

Chubb

$1,466

$122

Chubb

$1,466

$122

Kemper

$1,475

$123

National General

$1,510

$126

Travelers

$1,514

$126

Kemper

$1,534

$128

Farmers

$1,534

$128

Travelers

$1,557

$130

Kemper

$1,571

$131

State Farm

$1,573

$131

State Farm

$1,573

$131

GEICO

$1,584

$132

Progressive

$1,586

$132

Farmers

$1,592

$133

Progressive

$1,598

$133

Travelers

$1,608

$134

Nationwide

$1,610

$134

Allstate

$1,612

$134

Kemper

$1,613

$134

Capital Insurance Group

$1,622

$135

National General

$1,644

$137

Dairyland

$1,652

$138

Capital Insurance Group

$1,665

$139

Farmers

$1,669

$139

Progressive

$1,672

$139

Allstate

$1,673

$139

National General

$1,678

$140

National General

$1,679

$140

GEICO

$1,696

$141

Travelers

$1,701

$142

Dairyland

$1,703

$142

State Farm

$1,724

$144

Allstate

$1,724

$144

Nationwide

$1,730

$144

Progressive

$1,732

$144

National General

$1,737

$145

Farmers

$1,752

$146

Chubb

$1,763

$147

Nationwide

$1,769

$147

GEICO

$1,774

$148

Farmers

$1,776

$148

Allstate

$1,787

$149

Allstate

$1,789

$149

Progressive

$1,841

$153

Nationwide

$1,843

$154

Farmers

$1,847

$154

Allstate

$1,857

$155

GEICO

$1,873

$156

Nationwide

$1,873

$156

Progressive

$1,875

$156

Nationwide

$1,890

$158

Farmers

$1,914

$160

Dairyland

$1,942

$162

National General

$1,951

$163

Progressive

$1,953

$163

Farmers

$1,965

$164

Nationwide

$1,976

$165

Dairyland

$1,991

$166

Progressive

$2,000

$167

Chubb

$2,016

$168

Chubb

$2,016

$168

National General

$2,026

$169

GEICO

$2,087

$174

Farmers

$2,096

$175

Kemper

$2,110

$176

Dairyland

$2,132

$178

Nationwide

$2,151

$179

GEICO

$2,153

$179

GEICO

$2,214

$185

National General

$2,225

$185

Dairyland

$2,252

$188

National General

$2,257

$188

Capital Insurance Group

$2,259

$188

Kemper

$2,314

$193

National General

$2,315

$193

Nationwide

$2,320

$193

National General

$2,321

$193

Nationwide

$2,374

$198

Dairyland

$2,504

$209

National General

$2,525

$210

Nationwide

$2,611

$218

National General

$2,634

$220

Progressive

$2,686

$224

Nationwide

$2,761

$230

Nationwide

$2,786

$232

Dairyland

$2,831

$236

Progressive

$3,027

$252

Progressive

$3,070

$256

National General

$3,126

$261

Dairyland

$3,187

$266

Dairyland

$3,251

$271

Nationwide

$3,400

$283

Kemper

$3,519

$293

Dairyland

$3,595

$300

Dairyland

$3,800

$317

Kemper

$4,012

$334

Dairyland

$4,130

$344

Dairyland

$4,193

$349

Kemper

$4,491

$374

Dairyland

$4,596

$383

Dairyland

$5,216

$435

Dairyland

$5,947

$496

Dairyland

$6,492

$541

Kemper

$6,742

$562

Finding cheap car insurance after a bad driving record can be a challenge. The type of violation can also make a big difference, as more severe offenses carry increased insurance costs.

For instance, in Tacoma, the cheapest policy for drivers with DUIs costs around $257 more per year than the most affordable policy for drivers with speeding tickets.

Cheapest Car Insurance in Tacoma for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Tacoma are:

  • Kemper: $1,865 per year for teen girls and $1,938 per year for teen boys
  • Nationwide: $2,309 per year for teen girls
  • Capital Insurance Group: $2,319 per year for teen boys

Progressive offers the most expensive insurance for teen drivers at $4,757 per year for girls and $5,244 per year for boys.

Rates tend to be higher for teen boys than teen girls as they are seen as riskier to insure. However, the difference drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Kemper

$981

$2,484

Travelers

$1,124

$1,620

Kemper

$1,133

$3,258

Travelers

$1,216

$1,686

Travelers

$1,256

$1,812

Travelers

$1,268

$2,012

Travelers

$1,299

$1,873

GEICO

$1,346

$1,970

Nationwide

$1,350

$3,663

Nationwide

$1,353

$3,974

GEICO

$1,357

$1,812

Capital Insurance Group

$1,379

$1,766

Travelers

$1,391

$1,929

GEICO

$1,409

$2,581

Capital Insurance Group

$1,409

$1,837

GEICO

$1,420

$2,725

GEICO

$1,432

$1,913

Travelers

$1,445

$2,312

Travelers

$1,451

$2,203

Allstate

$1,467

$2,199

Allstate

$1,469

$2,170

Capital Insurance Group

$1,478

$1,893

GEICO

$1,480

$2,166

Capital Insurance Group

$1,495

$1,949

Travelers

$1,503

$2,083

Capital Insurance Group

$1,536

$2,149

GEICO

$1,543

$2,534

Allstate

$1,544

$2,917

Capital Insurance Group

$1,545

$2,161

GEICO

$1,547

$2,360

Allstate

$1,588

$2,346

Capital Insurance Group

$1,592

$2,076

State Farm

$1,613

$1,636

GEICO

$1,615

$2,363

GEICO

$1,634

$2,182

Allstate

$1,635

$6,553

Capital Insurance Group

$1,636

$2,096

Allstate

$1,647

$3,398

Nationwide

$1,658

$2,766

Capital Insurance Group

$1,672

$2,176

Allstate

$1,674

$2,807

Capital Insurance Group

$1,701

$2,223

Travelers

$1,705

$2,941

Travelers

$1,707

$2,581

Allstate

$1,708

$2,562

Nationwide

$1,711

$2,980

Travelers

$1,725

$2,619

Allstate

$1,739

$2,569

Farmers

$1,759

$2,240

Allstate

$1,782

$3,088

State Farm

$1,811

$1,837

Nationwide

$1,824

$3,042

Allstate

$1,828

$3,453

State Farm

$1,844

$1,830

Farmers

$1,859

$2,453

Nationwide

$1,863

$3,411

Kemper

$1,865

$5,468

Kemper

$1,865

$5,468

Kemper

$1,865

$5,468

Kemper

$1,865

$5,468

Kemper

$1,865

$5,468

Kemper

$1,865

$5,468

Kemper

$1,865

$5,468

Allstate

$1,870

$4,225

GEICO

$1,883

$3,613

Capital Insurance Group

$1,886

$2,638

Allstate

$1,894

$2,840

Nationwide

$1,900

$3,309

Capital Insurance Group

$1,905

$2,664

State Farm

$1,906

$2,250

GEICO

$1,915

$4,686

Nationwide

$1,923

$3,207

Allstate

$1,929

$8,263

GEICO

$1,930

$4,261

Nationwide

$1,934

$3,703

Kemper

$1,938

$6,346

Kemper

$1,938

$6,346

Kemper

$1,938

$6,346

Kemper

$1,938

$6,346

Kemper

$1,938

$6,346

Kemper

$1,938

$6,346

Kemper

$1,938

$6,346

Capital Insurance Group

$1,959

$2,550

Travelers

$1,970

$3,476

Capital Insurance Group

$1,975

$2,582

State Farm

$1,981

$2,010

Nationwide

$1,998

$3,480

Capital Insurance Group

$2,006

$3,115

Capital Insurance Group

$2,015

$3,100

Allstate

$2,041

$4,921

Travelers

$2,048

$3,580

GEICO

$2,054

$3,763

State Farm

$2,058

$2,433

Travelers

$2,069

$3,129

Nationwide

$2,071

$7,162

Capital Insurance Group

$2,080

$3,230

Allstate

$2,091

$4,312

State Farm

$2,097

$2,081

Capital Insurance Group

$2,107

$3,241

Nationwide

$2,135

$8,289

Nationwide

$2,141

$8,264

Kemper

$2,160

$5,468

Kemper

$2,160

$5,468

Kemper

$2,206

$6,346

Kemper

$2,206

$6,346

Nationwide

$2,222

$6,029

State Farm

$2,232

$2,635

Nationwide

$2,255

$6,621

Progressive

$2,288

$2,305

Nationwide

$2,298

$9,614

Nationwide

$2,309

$9,565

Allstate

$2,310

$9,261

State Farm

$2,311

$2,731

Capital Insurance Group

$2,319

$4,460

Nationwide

$2,327

$9,036

State Farm

$2,331

$3,102

State Farm

$2,332

$2,314

Allstate

$2,355

$12,507

Capital Insurance Group

$2,359

$4,546

State Farm

$2,373

$2,939

Travelers

$2,387

$4,212

Progressive

$2,434

$2,435

Travelers

$2,454

$4,300

Nationwide

$2,464

$10,982

Nationwide

$2,470

$10,330

Travelers

$2,474

$5,409

Allstate

$2,475

$12,829

Allstate

$2,503

$10,722

GEICO

$2,524

$6,682

Farmers

$2,545

$1,954

Farmers

$2,573

$1,976

Farmers

$2,601

$1,997

Farmers

$2,625

$2,135

Farmers

$2,680

$2,118

GEICO

$2,685

$5,795

Farmers

$2,687

$2,124

Progressive

$2,690

$3,886

Progressive

$2,722

$2,742

State Farm

$2,727

$3,813

State Farm

$2,730

$3,382

Farmers

$2,742

$2,167

State Farm

$2,766

$3,546

Farmers

$2,769

$2,345

Progressive

$2,818

$2,818

Progressive

$2,849

$4,095

Farmers

$2,853

$4,595

Progressive

$2,899

$3,557

Farmers

$2,948

$5,145

Progressive

$2,965

$3,573

Farmers

$2,968

$4,922

GEICO

$2,986

$7,907

Travelers

$3,029

$5,307

State Farm

$3,030

$3,885

Progressive

$3,034

$3,035

State Farm

$3,038

$4,257

Progressive

$3,053

$3,076

Farmers

$3,110

$5,560

Travelers

$3,156

$6,983

GEICO

$3,161

$6,823

Farmers

$3,192

$4,064

GEICO

$3,201

$10,833

State Farm

$3,273

$4,297

Progressive

$3,280

$5,511

Farmers

$3,317

$4,377

Progressive

$3,336

$4,820

GEICO

$3,519

$10,167

Farmers

$3,538

$7,145

Farmers

$3,572

$6,234

Progressive

$3,599

$6,082

State Farm

$3,710

$4,871

Progressive

$3,719

$5,346

State Farm

$3,731

$5,529

Farmers

$3,755

$7,797

Farmers

$3,792

$6,779

Progressive

$4,344

$9,284

Progressive

$4,757

$9,579

Progressive

$4,782

$10,290

Progressive

$5,244

$10,627

Progressive

$5,446

$11,638

Progressive

$6,011

$12,935

Adding a teen driver to an existing policy is usually much cheaper than buying a separate insurance plan.

Insuring a teenager on a family plan costs around $2,723 per year, whereas buying an individual policy costs roughly $5,104 per year. This is a significant difference of $2,381 per year.

Shopping around for the cheapest car insurance for teens is the first step. To further offset the cost, teens can also take defensive driving courses, maintain good grades and drive safe vehicles with advanced safety features.

Cheapest Car Insurance in Tacoma for Military Drivers

According to recent data, these two companies offer the cheapest car insurance rates for military members in Tacoma:

  • PEMCO: $612 per year
  • USAA: $661 per year

In comparison, Dairyland’s rate is much higher at an average of $3,595 per year.

For those seeking minimum coverage, USAA and PEMCO also offer the cheapest car insurance options for military drivers, with average rates of $296 and $318 per year, respectively.

It’s always important to compare quotes and coverage options from multiple insurers to find the cheapest auto insurance for military drivers.

Company
Annual Premium
Monthly Premium

USAA

$296

$25

PEMCO

$318

$27

USAA

$329

$27

Capital Insurance Group

$333

$28

PEMCO

$343

$29

USAA

$360

$30

Capital Insurance Group

$367

$31

PEMCO

$394

$33

Chubb

$455

$38

GEICO

$477

$40

Travelers

$478

$40

Travelers

$483

$40

State Farm

$504

$42

Capital Insurance Group

$536

$45

Chubb

$539

$45

Travelers

$548

$46

State Farm

$552

$46

GEICO

$611

$51

PEMCO

$612

$51

GEICO

$642

$53

PEMCO

$654

$55

USAA

$661

$55

Kemper

$680

$57

USAA

$682

$57

State Farm

$689

$57

American Family

$701

$58

Capital Insurance Group

$702

$59

Allstate

$710

$59

Farmers

$716

$60

American Family

$723

$60

Progressive

$727

$61

Allstate

$730

$61

Kemper

$744

$62

Kemper

$752

$63

American Family

$754

$63

Nationwide

$756

$63

Chubb

$760

$63

Farmers

$760

$63

PEMCO

$770

$64

Progressive

$788

$66

Capital Insurance Group

$788

$66

Allstate

$792

$66

Nationwide

$812

$68

USAA

$823

$69

Progressive

$834

$70

Kemper

$836

$70

Farmers

$852

$71

GEICO

$898

$75

Travelers

$902

$75

National General

$909

$76

Travelers

$937

$78

Chubb

$963

$80

State Farm

$997

$83

American Family

$1,056

$88

GEICO

$1,094

$91

State Farm

$1,094

$91

American Family

$1,102

$92

National General

$1,104

$92

Nationwide

$1,109

$92

Travelers

$1,115

$93

Kemper

$1,116

$93

American Family

$1,122

$93

Nationwide

$1,125

$94

Chubb

$1,157

$96

Allstate

$1,161

$97

Capital Insurance Group

$1,177

$98

Kemper

$1,226

$102

Nationwide

$1,231

$103

Allstate

$1,242

$103

National General

$1,242

$104

GEICO

$1,263

$105

Allstate

$1,269

$106

Farmers

$1,304

$109

Farmers

$1,305

$109

Progressive

$1,320

$110

Progressive

$1,400

$117

State Farm

$1,422

$118

National General

$1,428

$119

Farmers

$1,541

$128

Progressive

$1,571

$131

Chubb

$1,577

$131

Dairyland

$1,652

$138

Nationwide

$1,663

$139

Dairyland

$1,703

$142

National General

$1,757

$146

National General

$1,802

$150

Dairyland

$2,504

$209

Dairyland

$3,251

$271

Dairyland

$3,595

$300

Dairyland

$5,216

$435

How to Compare Cheap Tacoma Car Insurance Quotes Online

When obtaining a car insurance quote in Tacoma, it's important to note that the process can be time-consuming and require a lot of personal information. However, MoneyGeek's car insurance calculator can help simplify the process by providing an estimate based on basic information, such as age, vehicle type, coverage level and driving record. This tool can save you time and provide a ballpark estimate of your car insurance premiums.

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USAA

Best Car Insurance in Tacoma: Summary

MoneyGeek’s comparison of auto insurance companies in Tacoma found that Chubb outranks all insurers in the following categories:

  • Best overall: Chubb (MoneyGeek score of 83 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Chubb (MoneyGeek score of 83 out of 100)

USAA scored 85 out of 100, making it one of the best choices for military drivers in Tacoma. Coverages and discounts from USAA are tailored to military drivers.

On a statewide basis, the best car insurance in Washington is from GEICO. This signifies that several factors, including location, determine which company is the best.

Best Overall Car Insurance in Tacoma

Overall, the best companies for car insurance for the average Tacoma driver are:

  • Chubb: MoneyGeek score of 83 out of 100 ($1,157 per year)
  • Capital Insurance Group: MoneyGeek score of 80 out of 100 ($788 per year)

Chubb earned our top spot due to its outstanding claims management and high customer satisfaction.

USAA is the best auto insurance company for military drivers, receiving a MoneyGeek score of 85 out of 100. It offers coverages and discounts specifically tailored to the needs of military families.

How was this MoneyGeek score calculated?

Chubb

pros

Seamless claims experience

Ranks #2 for customer satisfaction

Offers original equipment manufacturer (OEM) coverage and antique/classic car insurance

cons

Ranks 8th out of 14 insurers for affordability

No roadside assistance coverage

COMPANY HIGHLIGHTS

Chubb is a reputable insurance provider that scored 83 out of 100 for its quality coverage options and outstanding claims management. The average driver in Tacoma pays approximately $1,157 per year or $96 per month.

When repairing your vehicle, original parts may be more expensive. Chubb’s OEM coverage replaces damaged parts of your vehicle with manufacturer parts rather than aftermarket or generic parts. Not all insurance companies offer this type of coverage.

Chubb also offers classic car insurance, ideal for vehicle owners looking for insurers that offer protection specifically for antique or collector cars. This coverage usually covers vehicles that are at least 30 years old, part of a larger collection or limited production models. You will also need to garage the vehicle and only use it for hobby purposes.

Best Car Insurance in Tacoma for Customer Service

These are the top auto insurance companies in Tacoma if you prioritize getting the best possible customer service.

  • Chubb: MoneyGeek score of 76 out of 100 ($1,157 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($788 per year)

Chubb earned our top spot with the best claims management reputation in Tacoma, along with the second-highest score for customer satisfaction, behind only Capital Insurance Group, our runner-up.

How was this MoneyGeek score calculated?

Chubb

pros

Ranks #1 for claims management

Ranks #2 for customer satisfaction

Offers diminished value coverage

cons

Does not offer gap insurance, accident forgiveness, deductible modification or new car replacement coverages

COMPANY HIGHLIGHTS

Chubb earned the highest MoneyGeek score in Tacoma for claims management, and it also ranked second for customer satisfaction. This combination of factors led MoneyGeek to name Chubb as the best insurer for customer service in this city.

With Chubb’s diminished value coverage, you and the insurer agree upon the value of your car when you sign up for your policy. If your car is totaled or stolen, Chubb will write you a check for the agreed-upon value of the vehicle, not its actual depreciated value. This can easily save you thousands of dollars in case of a covered loss.

Moreover, Chubb offers rental car reimbursement coverage, which covers the cost of renting a car just like your own if yours is in the repair shop.

Best Cheap Car Insurance in Tacoma

For policies that meet the state’s minimum requirements while still providing high-quality service, these are our top picks in Tacoma:

  • Chubb: MoneyGeek score of 83 out of 100 ($539 per year)
  • Capital Insurance Group: MoneyGeek score of 81 out of 100 ($367 per year)

A minimum coverage policy in Tacoma has the lowest rates but also offers low levels of protection against liability costs. In addition, this policy includes no coverage for damage to your own car.

How was this MoneyGeek score calculated?

Chubb

pros

An affordable minimum coverage policy costs $539 per year

Offers discounts for bundling, anti-theft systems and honing devices

Outstanding claims management and customer satisfaction reputation

cons

No discounts for safe driving or insuring multiple cars

COMPANY HIGHLIGHTS

Chubb is an excellent choice for drivers who value quality service and affordable pricing. The company ranked first for claims management and second for customer satisfaction while also offering an affordable minimum coverage policy.

Chubb doesn’t offer a ton of discounts, but it does provide some uncommon discounts that can save you a significant chunk of money on your premiums. For instance, you can get discounts for having your VIN etched into your window glass or for installing an electronic tracking device in your vehicle.

In addition, you can even get discounts for insuring a vehicle that has factory-installed daytime running lamps or anti-lock brakes. Finally, Chubb also offers several common discounts, such as those for bundling home and auto insurance, installing an anti-theft system or completing a defensive driving course.

Average Cost of Car Insurance in Tacoma

Tacoma drivers pay an average of $1,244 per year for full coverage auto insurance. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability.

The average cost of car insurance in Washington is $75 cheaper than in Tacoma. The national average cost of car insurance is $1,265 per year as of October 2022, a difference of just $21 compared to the typical rate in Tacoma.

Keep in mind that location is one of many factors affecting the cost of car insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.